Can I retire at age 65 with 1,750,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$144,513$143,226$141,970$140,744$139,547$136,285
2 years$71,541$70,209$68,918$67,666$66,451$63,182
3 years$47,220$45,882$44,594$43,354$42,159$38,987
4 years$35,062$33,728$32,453$31,234$30,068$27,017
5 years$27,769$26,443$25,185$23,991$22,858$19,935
6 years$22,909$21,593$20,353$19,186$18,086$15,296
7 years$19,439$18,134$16,914$15,774$14,709$12,051
8 years$16,837$15,544$14,344$13,232$12,203$9,677
9 years$14,815$13,534$12,355$11,271$10,276$7,880
10 years$13,198$11,929$10,771$9,716$8,756$6,486
11 years$11,876$10,620$9,483$8,455$7,530$5,385
12 years$10,775$9,532$8,416$7,417$6,526$4,500
13 years$9,844$8,614$7,519$6,548$5,691$3,782
14 years$9,047$7,830$6,756$5,812$4,988$3,192
15 years$8,357$7,153$6,099$5,184$4,392$2,704
16 years$7,753$6,563$5,530$4,641$3,882$2,298
17 years$7,221$6,044$5,032$4,170$3,442$1,957
18 years$6,749$5,585$4,594$3,758$3,060$1,671
19 years$6,327$5,176$4,205$3,396$2,728$1,429
20 years$5,948$4,810$3,859$3,076$2,436$1,224
21 years$5,605$4,480$3,550$2,791$2,180$1,050
22 years$5,294$4,182$3,272$2,538$1,954$901
23 years$5,010$3,911$3,021$2,311$1,754$775
24 years$4,750$3,665$2,794$2,108$1,577$666
25 years$4,512$3,439$2,588$1,925$1,419$573
26 years$4,292$3,232$2,400$1,760$1,278$494
27 years$4,089$3,042$2,229$1,611$1,152$425
28 years$3,900$2,866$2,072$1,476$1,040$367
29 years$3,725$2,704$1,928$1,354$939$316
30 years$3,562$2,554$1,796$1,242$848$273
31 years$3,410$2,414$1,674$1,141$767$235
32 years$3,268$2,284$1,562$1,049$694$203
33 years$3,134$2,163$1,458$964$628$175
34 years$3,009$2,050$1,363$887$568$151
35 years$2,891$1,945$1,274$817$515$131
36 years$2,779$1,846$1,192$752$467$113
37 years$2,674$1,753$1,116$693$423$97
38 years$2,575$1,666$1,045$639$383$84
39 years$2,481$1,584$979$589$348$73
40 years$2,393$1,507$917$543$315$63
41 years$2,308$1,435$860$501$286$54
42 years$2,228$1,366$807$463$260$47
43 years$2,152$1,302$757$427$236$41
44 years$2,079$1,241$711$394$214$35
45 years$2,010$1,183$667$364$194$30
46 years$1,944$1,129$627$336$176$26
47 years$1,881$1,077$589$311$160$23
48 years$1,821$1,028$553$287$145$20
49 years$1,764$982$520$265$132$17
50 years$1,709$938$489$245$120$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 65 starting with $1,750,000, adding $5,419 every year, while hoping to spend $27,686 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 40/48/12 Blend
64$1,750,000$1,750,000$1,750,000$1,750,000
65$1,934,090$1,841,340$1,814,215$2,004,315
66$2,101,909$1,902,108$1,845,533$2,115,167
67$2,285,918$1,964,925$1,876,973$2,231,871
68$2,487,739$2,029,864$1,908,509$2,357,508
69$2,709,159$2,096,997$1,940,114$2,492,899
70$2,952,144$2,166,402$1,971,759$2,638,948
71$3,218,864$2,238,156$2,003,414$2,796,646
72$3,511,706$2,312,344$2,035,046$2,967,082
73$3,833,300$2,389,048$2,066,620$3,151,455
74$4,186,543$2,468,358$2,098,099$3,351,082
75$4,574,628$2,550,366$2,129,443$3,567,411
76$5,001,071$2,635,165$2,160,610$3,802,034
77$5,469,746$2,722,853$2,191,556$4,056,704
78$5,984,921$2,813,534$2,222,234$4,333,346
79$6,551,297$2,907,311$2,252,593$4,634,080
80$7,174,054$3,004,295$2,282,580$4,961,239
81$7,858,901$3,104,598$2,312,139$5,317,388
82$8,612,124$3,208,339$2,341,212$5,705,351
83$9,440,653$3,315,639$2,369,734$6,128,235
84$10,352,118$3,426,625$2,397,639$6,589,461
85$11,354,932$3,541,427$2,424,857$7,092,793
86$12,458,360$3,660,182$2,451,315$7,642,375
87$13,672,612$3,783,030$2,476,934$8,242,769
88$15,008,938$3,910,118$2,501,631$8,898,998
89$16,479,734$4,041,598$2,525,319$9,616,590
90$18,098,657$4,177,626$2,547,907$10,401,636
91$19,880,757$4,318,367$2,569,299$11,260,837
92$21,842,616$4,463,989$2,589,393$12,201,578
93$24,002,507$4,614,668$2,608,081$13,231,988
94$26,380,562$4,770,587$2,625,252$14,361,019
95$28,998,968$4,931,934$2,640,787$15,598,532
96$31,882,171$5,098,907$2,654,561$16,955,386
97$35,057,107$5,271,708$2,666,443$18,443,541
98$38,553,460$5,450,550$2,676,297$20,076,172
99$42,403,938$5,635,652$2,683,978$21,867,788
100$46,644,582$5,827,241$2,689,334$23,834,374